Republic Savings Bank, FSB in Louisville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 04, 1994

  • Republic Savings Bank, FSB in Louisville, Kentucky (KY)
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Republic Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 31759
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Republic Bank & Trust Company (#23627)
    Federal Reserve ID: 178673
    Date Established: January 01, 1956
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7430
    FDIC's unique #: 44593
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: March 05, 1975
    Last Structure Change Effective Date: November 04, 1994
    Last Structure Change Process Date: November 17, 1994
    Last Data Update: November 21, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 West Market Street, Louisville, KY 40202
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $441.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $228Total assets
  • $403,207Cash and due from depository institutions
  • $8,041Interest-bearing balances
  • $5Securities
  • $37,142Federal funds sold & reverse repurchase agreements
  • $5,725Net loans & leases
  • $339,045Loan loss allowance
  • $1,100Trading account assets
  • $0Bank premises and fixed assets
  • $5,336Other real estate owned
  • $1,022Goodwill and other intangibles
  • $5,638Life insurance assets
  • $1,258All other assets
  • $0Total liabilities and capital
  • $403,207Total liabilities
  • $375,723Total deposits
  • $325,539Interest-bearing deposits
  • $298,356Deposits held in domestic offices
  • 325539.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $6,259Trading liabilities
  • $0Other borrowed funds
  • $38,096Subordinated debt
  • $0All other liabilities
  • $5,829Total equity capital
  • $5,829Total bank equity capital
  • $27,484Perpetual preferred stock
  • $0Common stock
  • $3,028Surplus
  • $5,217Undivided profits
  • Memoranda
  • $19,239Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,295Income earned, not collected on loans
  • $1,843Earning assets
  • $381,917Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $400,620Average Assets, quarterly
  • $402,345Volatile liabilities
  • $101,840Insider loans
  • $6,252FHLB advances
  • $38,096Loans and leases held for sale
  • $0Unused loan commitments
  • $97,276Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $27,484Total risk weighted assets
  • $263,394Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $29,081Total interest expense
  • $13,720Net interest income
  • $15,361Provision for loan and lease losses
  • $364Total noninterest income
  • $4,439Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $4,439Total noninterest expense
  • $16,735Salaries and employee benefits
  • $7,104Premises and equipment expense
  • $3,684Additional noninterest expense
  • $5,947Pre-tax net operating income
  • $2,701Securities gains (losses)
  • $2,526Applicable income taxes
  • $1,262Income before extraordinary items
  • $3,965Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,965Net charge-offs
  • $386Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.73%Cost of funding earning assets
  • 3.65%Net interest margin
  • 4.09%Noninterest income to earning assets
  • 1.18%Noninterest expense to earning assets
  • 4.45%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 1.30%Return on equity (ROE)
  • 15.67%Retained earnings to average equity (YTD only)
  • 15.65%Net charge-offs to loans
  • 0.12%Credit loss provision to net charge-offs
  • 94.30%Efficiency ratio
  • 82,778Assets per employee
  • 1.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.13%Loss allowance to loans
  • 0.32%Loss allowance to noncurrent loans
  • 47.93%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 104.15%Net loans and leases to core deposits
  • 126.48%Equity capital to assets
  • 6.82%Core capital (leverage) ratio
  • 6.83%Tier 1 risk-based capital ratio
  • 10.43%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $400,620Average earning assets
  • $25,299Average equity
  • $375,969Average loans

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